Recovery of late payment charges for closed accounts

MarkieGee

Hi,

I intend embarking on the process to recover bank charges and late credit card payment charges. I do have a query though.

My Wife had a credit a/c with GE Capital and missed some payments and was duly charged for doing so. She has since cleared the balance & closed the account. The account dates back beyond 6 years & my question is this:-

1. Is it still possible to pursue the recovery of late payment charges for a credit account that has been closed approx 2 years ago?

I don't mean to sound mercenary about it, but if there is an entitlement, it would be nice to know.

Thank you in advance for assisting.

Mark

esmerellda

Any charges incurred on the account within the past 6 years (so since Aug 2003) can be reclaimed account closed or not

natweststaffmember

1. If the account was closed within the last 6 years then you can claim any charges since 2003 but if they were earlier then you will be unable to do so.

LeeSouthEast

I have a related question: can they subsequently choose to ruin your credit rating for whatever reason if you try this?

natweststaffmember

LeeSouthEast wrote: »

I have a related question: can they subsequently choose to ruin your credit rating for whatever reason if you try this?

No they can't because the account is paid off and any issues with regards to their credit rating would have happened at the time the charges were taken.